By using these communications, you represent that you are an authorized representative of the organization for which you are copying, distributing, posting or otherwise using the Fidelity prepared communications attached here and on behalf of such organization accept these terms and conditions on behalf of the organization located at http://go.fidelity.com/TermsForClientUsage

Unless otherwise noted, all data represents the findings of an online survey conducted among a demographically representative U.S. sample consisting of 4,000 adults, 18 years of age and older. Fidelity sponsored this study which was conducted by CARAVAN®, and interviewing for this survey was completed in October 2018, by ORC International, which is not affiliated with Fidelity Investments. Included in the analysis were 1,128 respondents enrolled in an HSA-eligible health care plan. The results of this survey may not be representative of all adults meeting the same criteria as those surveyed for this study.

¹With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation.

²After age 65, withdrawals used to pay for anything other than qualified medical expenses are taxed as regular income but are not subject to penalty.

³Telemedicine is the use of telecommunication and information technology to provide clinical health care from a distance.

For Plan Sponsor and investment professional use only. Not for use with plan participants.

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